That number 3 is a pretty solid option. Apple is selling this configuration for $1500 on their own refurb store, so taking another $500 off the top is a great deal. It's by far the largest savings out of what you've posted.
I'd say either go that or if you really are uncomfortable with a refurb device just go option 1 to save as much money as possible. Spending the extra money for the M2 won't really help because you still only have 8 GB RAM.
Regardless, all three are capable of the tasks you've listed